Investing in companies or cryptocurrencies is very profitable, but very risky

It’s time to democratize high-potential savings products that have long been reserved for professionals and the very wealthy. Financing the construction of buildings or renewable energy parks, buying shares in funds from non-listed companies…opportunities are thriving. For months, there has even been a way to bet on crypto-focused funds and thus try to hit the jackpot. Does your profile lead you to reconcile profitability and environmental impact? Then look for funds marked “SRI”, which are very trendy and whose characteristics are nothing to envy compared to traditional funds.

Business loans

Profitability from 5 to 10% for blocking savings for 2-4 years. Withdrawal period of 4 days and a maximum bet of €1,000 per project: here are the new rules that will apply to this form of investment in November 2022. That is, it is not without all the risks. In practice, this is lending to small and medium-sized businesses (through specialized Internet sites), which will return your money in 2-4 years at interest from 5 to 10% per annum. As a precaution, it is advisable to diversify your bet on a dozen companies (bankruptcies cannot be ruled out) and focus on the most reliable projects in 2022, i.e. real estate and energy.

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Subscription to SME capital

Non-listed SME funds

Now available on all good life insurance policies. Do you invest in unregistered SME funds? This has been possible for 30 years, but until now only professional financiers have had access to this speculative backing. Fault fixed: now everyone can do it through life insurance (most good contracts include these types of funds), from a bet of 1000 euros. In particular, we will be able to access the Bpifrance Entreprises 2 fund (initiated by the state in February 2022, whose entrance ticket is set at 3,000 euros), which brings together about 1,500 French start-ups. These products, which perform very well in the long run (10% capital gain per year), are nevertheless extremely volatile: you will only risk them if you can lock in your money for 10 years.

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Cryptocurrency funds

To play bitcoin growth or bet on the technologies used. Since the universe of virtual currencies is complex, but makes speculators around the world dream, managers came up with a good idea to create their own funds dedicated to this sector. Advantage over direct investment: no need to open an account on a specialized platform, the fund can be bought through your usual banker or broker.

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How to buy bitcoins

Most products follow the price of bitcoin, the flagship currency like VanEck, 21shares or Coinshares. Other funds prefer to target stocks of internet technology companies that use cryptocurrencies, such as Tobam ​​or Melanion Capital.

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products marked with SRI

Already more than 700 products for investment in a more efficient economy. The choice of companies that combine environmental (carbon footprint) and social (job creation, training, etc.) issues is the promise of SRI (socially responsible investment) funds. Two possible approaches: exclude companies that do not meet responsible criteria (alcohol, oil, etc.), or choose the most deserving in each sector (Microsoft, for digital).

Faced with explosive demand, all banks are now offering their SRI funds: there are more than 700 in France with a total outstanding amount of 470 billion euros. Performances? All is well: over 5 years, the average annual growth of the international SRI stock category is 16% compared to 15% for non-marked funds.

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